COM by Stef
ActiveCOM by Stef has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €27k. Equity is growing by ~36.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 6.69 against 5.76 in 2024; short-term debt: 14.2% and cash: 78.8% of total assets), and 14.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.6%
Return on assets
26.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 45.7%
2024 · €59k
2023: €43k
2024: €59k
2023 → 2025
Total assets
€100k▲ 41.7%
2024 · €70k
2023: €66k
2024: €70k
2023 → 2025
Net result
€27k▲ 70.9%
2024 · €16k
2023: €40k
2024: €16k
2023 → 2025
Working capital
€81k▲ 46.5%
2024 · €55k
2023: €39k
2024: €55k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€59k▲ 36.5%€85k▲ 45.7%
Operating result€56k-€22k▼ 60.4%€34k▲ 54.5%
Net result€40k-€16k▼ 60.7%€27k▲ 70.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 54% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€5k▲ 31.4%
Current assets
€95k▲ 42.3%
Equity and liabilities €100k
Equity
€85k▲ 45.7%
Debt
€14k▲ 21.9%
The debt ratio falls from 16.7% to 14.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €23k
Cash flow
€28k▲
2024 · €17k
Solvency
85.6%▲
2024 · 83.3%
Current ratio
6.69▲
2024 · 5.76
Quick ratio
6.69▲
2024 · 5.76
Debt / equity
0.17▼
2024 · 0.20
ROE
31.4%▲
2024 · 26.7%
ROA
26.9%▲
2024 · 22.3%
Interest coverage
349.83▲
2024 · 258.36
Debt
€14k▲
2024 · €12k
Debt ≤ 1 year
€14k▲
2024 · €12k
Income taxes
€7k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€70k€100k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€842€742▼
Current assets29/58€67k€95k▲
Amounts receivable within one year40/41€3k€16k▲
Trade receivables40€3k€15k▲
Other amounts receivable41-€554
Cash at bank and in hand54/58€56k€79k▲
Deferred charges and accrued income490/1€7k€693▼
Equity and liabilities
Total equity and liabilities10/49€70k€100k▲
Equity10/15€59k€85k▲
Contributions10/11€3k€3k=
Reserves13€56k€82k▲
Distributable reserves133€56k€82k▲
Amounts payable17/49€12k€14k▲
Amounts payable within one year42/48€12k€14k▲
Trade debts44€518€877▲
Suppliers440/4€518€877▲
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€13k▲
Other amounts payable47/48€801€105▼
Accrued charges and deferred income492/3€223€207▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€118€520▲
Gross operating margin9900€23k€36k▲
Operating profit (loss)9901€22k€34k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€90€101▲
Recurring financial charges65€90€101▲
Profit (loss) for the period before taxes9903€22k€34k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€16k€27k▲
Profit (loss) for the period to be appropriated9905€16k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€27k▲
Transfer to equity691/2€16k€27k▲
To other reserves6921€16k€27k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼60.7%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.76
Current ratio from 2.73 to 5.76; short-term debt falls from €23k to €12k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beerse · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rouwleegd 522340 BeerseGround area
1,746 m²
Building footprint
272 m²
Volume, LiDAR
1,359 m³
Parcel 13004E0001/00L065, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COM by Stef
since 20222.329.298.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00L065 | Flanders | 1,746 m² | 1 · 272 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 1,289 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2022
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
47120Other non-specialised retail sale
47910Retail trade
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.